/* An original, restrained editorial direction. Functional meaning never relies on hue. */
html[data-ui="neutral"] {
  --ink: #20201e;
  --secondary: #56554f;
  --paper: #ffffff;
  --cream: #f7f5ef;
  --stone: #eeece4;
  --sage: #e9eee7;
  --control-border: #7c7a73;
  --rule: #d9d6cc;
  --error-ink: #762e24;
  --chart-original: #696762;
  --bg: var(--cream);
  --green: var(--ink);
  --text: var(--ink);
  --muted: var(--secondary);
  --border: var(--rule);
  --lime: var(--stone);
}
html[data-ui="neutral"] body { background: var(--cream); color: var(--ink); font-size: 17px; line-height: 1.7; }
html[data-ui="neutral"] :is(a,button,input,select,summary) { -webkit-tap-highlight-color: #20201e1a; }
html[data-ui="neutral"] a:hover { color: var(--ink); text-decoration: underline; text-underline-offset: 4px; }
html[data-ui="neutral"] .skip-link { position: absolute; left: 20px; top: -100px; background: var(--ink); color: var(--paper); padding: 12px 18px; z-index: 10; border-radius: 6px; }
html[data-ui="neutral"] .skip-link:focus { top: 14px; }
html[data-ui="neutral"] header { background: var(--cream); border-color: var(--rule); min-height: 100px; }
html[data-ui="neutral"] .brand-mark { background: var(--ink); color: var(--cream); border-radius: 50%; box-shadow: none; }
html[data-ui="neutral"] :is(.brand-name,.brand-name > span,nav,.canadian,.breadcrumb,.breadcrumb strong) { color: var(--secondary); }
html[data-ui="neutral"] .brand-name { color: var(--ink); letter-spacing: -.6px; }
html[data-ui="neutral"] header nav a { color: var(--ink); }
html[data-ui="neutral"] header nav a:is(:hover,:focus-visible) { text-decoration: underline; text-underline-offset: 4px; }
html[data-ui="neutral"] .breadcrumb { margin: 27px 0 0; }
html[data-ui="neutral"] .intro { display: block; position: relative; margin: 0 0 24px; padding: 50px 0 44px; }
html[data-ui="neutral"] .eyebrow { color: var(--secondary); font-size: 12px; letter-spacing: 1.8px; }
html[data-ui="neutral"] .eyebrow span { background: var(--ink); }
html[data-ui="neutral"] h1 { color: var(--ink); font-family: Georgia,'Times New Roman',serif; font-size: clamp(48px,5.6vw,76px); font-weight: 400; line-height: 1.03; letter-spacing: -3.1px; margin: 23px 0 25px; }
html[data-ui="neutral"] h1 > span { color: var(--ink); }
html[data-ui="neutral"] .intro > p { color: var(--secondary); font-size: 19px; line-height: 1.85; max-width: 750px; }
html[data-ui="neutral"] .trust { color: var(--secondary); flex-wrap: wrap; gap: 21px; margin-top: 25px; font-size: 14px; }
html[data-ui="neutral"] .trust > span { padding: 0; background: none; border-radius: 0; }
html[data-ui="neutral"] .home-vignette { position: absolute; right: 20px; top: 38px; width: 270px; border-radius: 145px 145px 8px 8px; padding: 35px 30px 23px; background: var(--sage); text-align: center; }
html[data-ui="neutral"] .home-vignette > span { font-size: 10px; letter-spacing: 1.8px; color: var(--secondary); }
html[data-ui="neutral"] .home-vignette svg { width: 160px; height: 176px; display: block; margin: 8px auto 4px; }
html[data-ui="neutral"] .home-vignette p { font-family: Georgia,serif; color: var(--ink); font-size: 22px; line-height: 1.35; margin: 0; }
html[data-ui="neutral"] .tool-heading { border-top: 1px solid var(--rule); padding-top: 30px; margin-bottom: 26px; }
html[data-ui="neutral"] .tool-tag { color: var(--secondary); }
html[data-ui="neutral"] .tool-heading h2 { color: var(--ink); font-size: 28px; font-weight: 600; letter-spacing: -.8px; }
html[data-ui="neutral"] .tool-note { color: var(--secondary); font-size: 15px; }
html[data-ui="neutral"] :is(.card,.comparison-card,.schedule-details) { border: 1px solid var(--rule); border-radius: 14px; background: var(--paper); box-shadow: none; }
html[data-ui="neutral"] .inputs { border-top: 1px solid var(--rule); padding: 29px; }
html[data-ui="neutral"] .section-heading h2 { color: var(--ink); font-size: 23px; }
html[data-ui="neutral"] .tiny-icon { color: var(--ink); }
html[data-ui="neutral"] :is(.small,.prepay-heading + .small,.muted,.field-help,.range-labels,.check-label,.down-label > span) { color: var(--secondary); font-size: 14px; line-height: 1.85; }
html[data-ui="neutral"] label { font-size: 16px; color: var(--ink); }
html[data-ui="neutral"] label span { font-size: 14px; color: var(--secondary); }
html[data-ui="neutral"] :is(.input-wrap,select,.plain-input) { background: var(--paper); border: 1px solid var(--control-border); border-radius: 8px; min-height: 57px; height: 57px; }
html[data-ui="neutral"] :is(.input-wrap input,select,.plain-input) { color: var(--ink); font-size: 19px; font-weight: 500; }
html[data-ui="neutral"] .input-wrap > span { color: var(--secondary); font-size: 18px; }
html[data-ui="neutral"] .input-wrap:focus-within { outline: 3px solid var(--ink); outline-offset: 3px; box-shadow: 0 0 0 2px var(--paper); }
html[data-ui="neutral"] :is(a,button,summary,select,.plain-input):focus-visible { outline: 3px solid var(--ink); outline-offset: 4px; box-shadow: 0 0 0 2px var(--paper); }
html[data-ui="neutral"] input::placeholder { color: var(--secondary); opacity: 1; }
html[data-ui="neutral"] .mode-switch { background: var(--stone); border-radius: 9px; padding: 5px; }
html[data-ui="neutral"] .mode-switch button { color: var(--secondary); font-size: 15px; border: 1px solid transparent; border-radius: 6px; }
html[data-ui="neutral"] .mode-switch button[aria-pressed="true"] { background: var(--paper); color: var(--ink); border-color: var(--ink); font-weight: 700; box-shadow: none; }
html[data-ui="neutral"] .mode-switch button[aria-pressed="true"]::before { content: '✓ '; }
html[data-ui="neutral"] .down-presets button { color: var(--ink); background: var(--paper); border: 1px solid var(--control-border); min-height: 44px; font-size: 14px; }
html[data-ui="neutral"] .down-presets button[aria-pressed="true"] { background: var(--ink); color: var(--paper); border-color: var(--ink); font-weight: 700; }
html[data-ui="neutral"] .down-presets button[aria-pressed="true"]::before { content: '✓ '; }
html[data-ui="neutral"] button:disabled { color: var(--secondary); background: var(--stone); border-color: var(--rule); opacity: 1; cursor: not-allowed; text-decoration: line-through; }
html[data-ui="neutral"] .loan-breakdown { background: var(--cream); border: 1px solid var(--rule); border-radius: 9px; padding: 17px; }
html[data-ui="neutral"] .loan-breakdown > div { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .loan-breakdown strong { color: var(--ink); }
html[data-ui="neutral"] .loan-breakdown .loan-total { color: var(--ink); border-color: var(--rule); font-size: 16px; }
html[data-ui="neutral"] #eligibility-row { background: var(--cream); border: 1px solid var(--control-border); }
html[data-ui="neutral"] #eligibility-row .field-help { color: var(--secondary); }
html[data-ui="neutral"] .check-label input { accent-color: var(--ink); }
html[data-ui="neutral"] .prepay-heading h3 { color: var(--ink); font-size: 19px; }
html[data-ui="neutral"] .optional { background: var(--stone); color: var(--secondary); border: 1px solid var(--rule); font-size: 11px; }
html[data-ui="neutral"] input[type=range] { accent-color: var(--ink); }
html[data-ui="neutral"] :is(.lump summary,.budget-inputs summary,.reset) { color: var(--ink); font-size: 15px; }
html[data-ui="neutral"] .reset { text-decoration: underline; text-underline-offset: 4px; }
html[data-ui="neutral"] .result-top h2 { color: var(--ink); font-size: 22px; font-weight: 600; }
html[data-ui="neutral"] .live { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .live i { background: var(--ink); box-shadow: none; }
html[data-ui="neutral"] .payment-card { background: var(--ink); border: 1px solid var(--ink); border-radius: 14px; color: var(--paper); padding: 29px 30px 0; box-shadow: none; }
html[data-ui="neutral"] .payment-card p { color: var(--cream); font-size: 18px; }
html[data-ui="neutral"] .payment { font-size: clamp(42px,4.3vw,59px); font-weight: 600; letter-spacing: -2px; color: var(--paper); }
html[data-ui="neutral"] .payment-card span { color: var(--stone); font-size: 14px; }
html[data-ui="neutral"] .payment-symbol { display: none; }
html[data-ui="neutral"] .payment-bottom { border-color: var(--control-border); }
html[data-ui="neutral"] .payment-bottom strong { color: var(--paper); font-size: 16px; }
html[data-ui="neutral"] .savings-card { background: var(--sage); border: 1px solid var(--rule); border-radius: 14px; padding: 26px 29px 0; }
html[data-ui="neutral"] .savings-title > span { background: var(--paper); color: var(--ink); border-radius: 50%; }
html[data-ui="neutral"] .savings-title h3 { color: var(--ink); font-size: 21px; font-weight: 600; }
html[data-ui="neutral"] .savings-card p { color: var(--secondary); font-size: 15px; }
html[data-ui="neutral"] .saving-metrics span { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .saving-metrics strong { color: var(--ink); font-size: 35px; font-weight: 600; }
html[data-ui="neutral"] .saving-metrics > div + div { border-color: var(--control-border); }
html[data-ui="neutral"] .savings-card .savings-insight { background: var(--paper); color: var(--ink); border-radius: 7px; font-size: 14px; }
html[data-ui="neutral"] .payoff { border-color: var(--control-border); color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .payoff strong { color: var(--ink); font-size: 17px; }
html[data-ui="neutral"] .payoff > span { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] :is(.chart-card,.term-card,.budget-card) { padding: 26px 28px; }
html[data-ui="neutral"] .chart-header h3 { color: var(--ink); font-size: 20px; font-weight: 600; }
html[data-ui="neutral"] :is(.chart-header > span,.legend,.chart-foot,.term-metrics span) { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .term-metrics strong { color: var(--ink); font-size: 21px; }
html[data-ui="neutral"] .term-metrics > div:last-child strong { color: var(--ink); }
html[data-ui="neutral"] .original-dot { width: 26px; height: 0; border-top: 3px dashed var(--chart-original); background: none; }
html[data-ui="neutral"] .extra-dot { width: 26px; height: 0; border-top: 3px solid var(--ink); background: none; }
html[data-ui="neutral"] .legend > span { gap: 8px; }
html[data-ui="neutral"] .budget-total { color: var(--ink); font-size: 40px; font-weight: 600; }
html[data-ui="neutral"] .budget-lines > div { color: var(--secondary); font-size: 15px; }
html[data-ui="neutral"] .budget-lines strong { color: var(--ink); }
html[data-ui="neutral"] :is(.error,.result-status) { color: var(--error-ink); background: var(--cream); border: 1px solid var(--error-ink); border-left: 4px solid var(--error-ink); border-radius: 6px; padding: 12px 15px; font-size: 16px; }
html[data-ui="neutral"] .error:empty { display: none; }
html[data-ui="neutral"] .result-status::before { content: '! '; font-weight: 700; }
html[data-ui="neutral"] .empty-state { border: 2px dashed var(--control-border); border-radius: 14px; background: var(--paper); color: var(--ink); }
html[data-ui="neutral"] .empty-state-icon { color: var(--ink); background: var(--stone); border-radius: 50%; }
html[data-ui="neutral"] :is(.empty-eyebrow,.empty-state > p,.empty-checklist) { color: var(--secondary); }
html[data-ui="neutral"] .empty-state h3 { color: var(--ink); font-family: Georgia,serif; font-weight: 400; font-size: 34px; }
html[data-ui="neutral"] .comparison-section { border-color: var(--rule); }
html[data-ui="neutral"] .comparison-heading h2 { color: var(--ink); font-size: 31px; font-weight: 600; }
html[data-ui="neutral"] .comparison-badge { background: var(--stone); color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .section-description { color: var(--secondary); font-size: 16px; }
html[data-ui="neutral"] .comparison-card { padding: 24px 20px; }
html[data-ui="neutral"] .comparison-card h3 { color: var(--ink); font-size: 18px; }
html[data-ui="neutral"] .comparison-card-heading > span { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .comparison-payment { color: var(--ink); font-size: 32px; font-weight: 600; }
html[data-ui="neutral"] :is(.comparison-card > p,.comparison-card dl > div) { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] .comparison-card dd { color: var(--ink); font-size: 15px; }
html[data-ui="neutral"] .comparison-card > button { border: 1px solid var(--control-border); color: var(--ink); background: var(--paper); border-radius: 30px; padding: 12px 8px; font-size: 15px; min-height: 48px; }
html[data-ui="neutral"] .comparison-card.unavailable { background: var(--stone); border: 1px dashed var(--control-border); }
html[data-ui="neutral"] .comparison-card.unavailable p { color: var(--secondary); font-size: 15px; }
html[data-ui="neutral"] .schedule-details > summary { color: var(--ink); font-size: 17px; }
html[data-ui="neutral"] .table-scroll table { font-size: 15px; }
html[data-ui="neutral"] .table-scroll thead { background: var(--cream); color: var(--ink); }
html[data-ui="neutral"] .table-scroll td { color: var(--secondary); }
html[data-ui="neutral"] .table-scroll tbody th { color: var(--ink); }
html[data-ui="neutral"] :is(.under-calculator,.under-calculator button) { color: var(--secondary); font-size: 15px; }
html[data-ui="neutral"] .under-calculator button { text-decoration: underline; text-underline-offset: 4px; }
html[data-ui="neutral"] .learn > h2 { font-family: Georgia,serif; font-weight: 400; font-size: 39px; color: var(--ink); letter-spacing: -1px; }
html[data-ui="neutral"] .guide-grid article { border-color: var(--rule); border-radius: 12px; }
html[data-ui="neutral"] .guide-icon, html[data-ui="neutral"] .guide-grid article:nth-child(2) .guide-icon, html[data-ui="neutral"] .guide-grid article:nth-child(3) .guide-icon { background: var(--stone); color: var(--ink); border-radius: 50%; }
html[data-ui="neutral"] .guide-grid h3 { color: var(--ink); font-size: 19px; font-weight: 600; }
html[data-ui="neutral"] .guide-grid p { color: var(--secondary); font-size: 16px; }
html[data-ui="neutral"] .methodology h2 { color: var(--ink); font-size: 26px; font-weight: 600; }
html[data-ui="neutral"] .methodology summary { color: var(--ink); font-size: 17px; }
html[data-ui="neutral"] .methodology p { color: var(--secondary); font-size: 16px; }
html[data-ui="neutral"] .methodology a { color: var(--ink); text-decoration: underline; text-underline-offset: 4px; }
html[data-ui="neutral"] .about { background: var(--stone); border: 1px solid var(--rule); border-radius: 14px; }
html[data-ui="neutral"] .about .brand-icon { color: var(--ink); }
html[data-ui="neutral"] .about h2 { color: var(--ink); font-size: 24px; font-weight: 600; }
html[data-ui="neutral"] .about p { color: var(--secondary); font-size: 16px; }
html[data-ui="neutral"] .about > a { background: var(--ink); color: var(--paper); border-radius: 30px; padding: 14px 19px; font-size: 15px; }
html[data-ui="neutral"] :is(footer,footer .disclaimer,footer > button) { color: var(--secondary); font-size: 14px; }
html[data-ui="neutral"] dialog { background: var(--paper); color: var(--ink); border-color: var(--control-border); }
html[data-ui="neutral"] dialog button { background: var(--ink); color: var(--paper); border-radius: 30px; }
@media(max-width:1150px) { html[data-ui="neutral"] .home-vignette { display: none; } html[data-ui="neutral"] .intro > p { max-width: 850px; } }
@media(max-width:1000px) { html[data-ui="neutral"] .intro { padding-bottom: 35px; } html[data-ui="neutral"] .comparison-grid { grid-template-columns: repeat(2,minmax(0,1fr)); } }
@media(max-width:640px) {
  html[data-ui="neutral"] h1 { font-size: 51px; letter-spacing: -2px; }
  html[data-ui="neutral"] .intro { padding-top: 33px; margin-bottom: 5px; }
  html[data-ui="neutral"] .intro > p { font-size: 18px; }
  html[data-ui="neutral"] .trust { font-size: 13px; gap: 12px; }
  html[data-ui="neutral"] .inputs { padding: 25px 22px; }
  html[data-ui="neutral"] .tool-heading h2 { font-size: 25px; }
  html[data-ui="neutral"] .payment-card { padding: 25px 23px 0; }
  html[data-ui="neutral"] .payment { font-size: 44px; }
  html[data-ui="neutral"] .savings-card { padding: 24px 23px 0; }
  html[data-ui="neutral"] .saving-metrics strong { font-size: 29px; }
  html[data-ui="neutral"] :is(.chart-card,.term-card,.budget-card) { padding: 24px 22px; }
  html[data-ui="neutral"] .chart-header > span { display: inline; }
  html[data-ui="neutral"] .legend { font-size: 13px; gap: 14px; }
  html[data-ui="neutral"] .comparison-grid { grid-template-columns: 1fr; }
  html[data-ui="neutral"] .comparison-card dl > div { flex-direction: row; }
  html[data-ui="neutral"] .comparison-payment { font-size: 35px; }
  html[data-ui="neutral"] .comparison-heading h2 { font-size: 28px; }
  html[data-ui="neutral"] .learn > h2 { font-size: 34px; }
  html[data-ui="neutral"] .about h2 { font-size: 22px; }
}
@media(max-width:380px) { html[data-ui="neutral"] h1 { font-size: 43px; } html[data-ui="neutral"] .saving-metrics { grid-template-columns: 1fr; } html[data-ui="neutral"] .saving-metrics > div + div { border-left: 0; padding-left: 0; } }
@media(forced-colors:active) {
  html[data-ui="neutral"] .mode-switch button[aria-pressed="true"],html[data-ui="neutral"] .down-presets button[aria-pressed="true"] { border: 3px solid ButtonText; }
  html[data-ui="neutral"] #chart path[stroke],html[data-ui="neutral"] #chart circle { stroke: CanvasText; }
  html[data-ui="neutral"] :is(.original-dot,.extra-dot) { border-color: CanvasText; }
}

/* Same neutral identity, with contrast-checked dark surfaces. */
html[data-ui="neutral"][data-mode="dark"] {
  color-scheme: dark;
  --ink: #f3f0e8;
  --secondary: #c1bfb6;
  --paper: #20221f;
  --cream: #151714;
  --stone: #2c2f29;
  --sage: #29302a;
  --control-border: #a29f94;
  --rule: #4b4f46;
  --error-ink: #ffb4a9;
  --chart-original: #b7b4aa;
}
html[data-ui="neutral"][data-mode="light"] { color-scheme: light; }
html[data-ui="neutral"] .header-tools { display: flex; align-items: center; gap: 24px; }
html[data-ui="neutral"] .appearance-control { display: flex; flex-direction: column; gap: 3px; }
html[data-ui="neutral"] .appearance-control label { margin: 0; font-size: 12px; font-weight: 500; color: var(--secondary); }
html[data-ui="neutral"] .appearance-control select { font-size: 14px; width: 106px; min-height: 36px; height: 36px; padding: 0 9px; }
html[data-ui="neutral"] #chart text { fill: var(--secondary); }
html[data-ui="neutral"] #chart > line { stroke: var(--rule); }
html[data-ui="neutral"] #chart > path[stroke="#696762"] { stroke: var(--chart-original); }
html[data-ui="neutral"] #chart > path[stroke="#20201e"] { stroke: var(--ink); }
html[data-ui="neutral"] #chart > circle { fill: var(--ink); }
html[data-ui="neutral"] #chart stop { stop-color: var(--control-border); }
html[data-ui="neutral"][data-mode="dark"] .payment-card { background: var(--stone); border-color: var(--control-border); color: var(--ink); }
html[data-ui="neutral"][data-mode="dark"] .payment { color: var(--ink); }
html[data-ui="neutral"][data-mode="dark"] .payment-card p,html[data-ui="neutral"][data-mode="dark"] .payment-card span { color: var(--secondary); }
html[data-ui="neutral"][data-mode="dark"] .payment-bottom strong { color: var(--ink); }
html[data-ui="neutral"][data-mode="dark"] .home-vignette svg { opacity: .8; }
html[data-ui="neutral"][data-mode="dark"] .home-vignette { background: var(--stone); }
html[data-ui="neutral"][data-mode="dark"] .table-scroll td,html[data-ui="neutral"][data-mode="dark"] .table-scroll th { border-bottom-color: var(--rule); }
html[data-ui="neutral"][data-mode="dark"] .chart-foot { border-top-color: var(--rule); }
@media(max-width:1200px) { html[data-ui="neutral"] .header-tools .canadian { display: none; } }
@media(max-width:760px) { html[data-ui="neutral"] header nav { display: none; } html[data-ui="neutral"] header { justify-content: space-between; } html[data-ui="neutral"] .header-tools { gap: 0; } }
@media(max-width:380px) { html[data-ui="neutral"] .appearance-control select { width: 88px; font-size: 13px; } html[data-ui="neutral"] .appearance-control label { font-size: 11px; } }

/* Component surfaces must follow the palette, not a legacy white background. */
html[data-ui="neutral"] .guide-grid article {
  background: var(--paper);
  color: var(--ink);
}
html[data-ui="neutral"] .guide-grid h3 { color: var(--ink); }
html[data-ui="neutral"] .guide-grid p { color: var(--secondary); }
html[data-ui="neutral"] .savings-card p strong { color: var(--ink); }
html[data-ui="neutral"] :is(main,header,footer,.calculator,.result-content,.results,.inputs,.guide-grid,.comparison-grid) { min-width: 0; }
html[data-ui="neutral"] :is(.calculator,.comparison-grid,.guide-grid) > * { min-width: 0; }
html[data-ui="neutral"] :is(h1,h2,h3,p,label,summary,.field-help,.budget-lines,.payoff) { overflow-wrap: anywhere; }
html[data-ui="neutral"] :is(.payment,.saving-metrics strong,.term-metrics strong,.budget-total,.comparison-payment) { overflow-wrap: anywhere; }
html[data-ui="neutral"] .calculator-jumps { display: none; }
html[data-ui="neutral"] .table-scroll { max-width: 100%; overscroll-behavior-inline: contain; }
html[data-ui="neutral"] .table-scroll:focus-visible { outline: 3px solid var(--ink); outline-offset: 4px; }
html[data-ui="neutral"] dialog { width: min(560px,calc(100% - 32px)); max-height: calc(100dvh - 40px); overflow-y: auto; margin: auto; }
html[data-ui="neutral"] .appearance-control select { min-height: 44px; height: 44px; }
@media(max-width:1024px) {
  html[data-ui="neutral"] .calculator { grid-template-columns: minmax(0,1fr); }
  html[data-ui="neutral"] .guide-grid { grid-template-columns: minmax(0,1fr); }
  html[data-ui="neutral"] .home-vignette { display: none; }
}
@media(max-width:760px) {
  html[data-ui="neutral"] header {
    display: grid; grid-template-columns: minmax(0,1fr) auto;
    height: auto; min-height: 0; padding: 18px 20px 10px;
    gap: 14px 12px; align-items: center;
  }
  html[data-ui="neutral"] header .brand { min-width: 0; }
  html[data-ui="neutral"] header .header-tools { grid-column: 2; grid-row: 1; }
  html[data-ui="neutral"] header nav {
    grid-column: 1/-1; grid-row: 2; display: flex;
    justify-content: center; flex-wrap: wrap; gap: 8px 22px;
  }
  html[data-ui="neutral"] header nav a {
    display: inline-flex; align-items: center; min-height: 44px;
    font-size: 14px; padding: 4px 0;
  }
  html[data-ui="neutral"] .header-tools .canadian { display: none; }
  html[data-ui="neutral"] .appearance-control select { width: 100px; font-size: 16px; }
  html[data-ui="neutral"] .appearance-control label { font-size: 12px; }
  html[data-ui="neutral"] .calculator-jumps {
    display: flex; flex-wrap: wrap; gap: 10px;
    margin: 0 0 22px; padding: 0; color: var(--ink);
  }
  html[data-ui="neutral"] .calculator-jumps a {
    border: 1px solid var(--control-border); border-radius: 24px;
    min-height: 44px; display: inline-flex; align-items: center;
    justify-content: center; padding: 8px 14px; font-size: 14px;
    background: var(--paper); text-decoration: none;
  }
}
@media(max-width:600px) {
  html[data-ui="neutral"] main { padding-inline: 16px; }
  html[data-ui="neutral"] .intro { padding-block: 30px 32px; }
  html[data-ui="neutral"] h1 { font-size: clamp(40px,10.5vw,58px); line-height: 1.08; letter-spacing: -1.6px; }
  html[data-ui="neutral"] .intro > p { font-size: 17px; line-height: 1.8; }
  html[data-ui="neutral"] .eyebrow { font-size: 11px; letter-spacing: 1.2px; }
  html[data-ui="neutral"] .breadcrumb { font-size: 12px; gap: 7px; margin-top: 18px; }
  html[data-ui="neutral"] .trust { gap: 9px 16px; font-size: 13px; }
  html[data-ui="neutral"] .tool-heading { padding-top: 25px; margin-bottom: 20px; }
  html[data-ui="neutral"] .tool-heading h2 { font-size: 25px; line-height: 1.4; }
  html[data-ui="neutral"] .inputs { padding: 23px 20px; }
  html[data-ui="neutral"] .mode-switch { gap: 4px; }
  html[data-ui="neutral"] .mode-switch button { padding: 11px 7px; min-height: 50px; font-size: 14px; line-height: 1.5; }
  html[data-ui="neutral"] label { flex-wrap: wrap; gap: 3px 10px; }
  html[data-ui="neutral"] .two-fields { grid-template-columns: minmax(0,1fr); gap: 20px; }
  html[data-ui="neutral"] :is(.input-wrap input,select,.plain-input) { font-size: 18px; }
  html[data-ui="neutral"] .down-presets { flex-wrap: wrap; }
  html[data-ui="neutral"] .down-presets button { min-width: 54px; min-height: 44px; }
  html[data-ui="neutral"] .loan-breakdown > div { display: grid; grid-template-columns: minmax(0,1fr) auto; align-items: start; gap: 12px; }
  html[data-ui="neutral"] .loan-breakdown strong { text-align: right; }
  html[data-ui="neutral"] :is(.loan-breakdown,.field-help) { max-width: 100%; }
  html[data-ui="neutral"] .prepay-heading { flex-wrap: wrap; }
  html[data-ui="neutral"] .payment-card { padding: 25px 21px 0; }
  html[data-ui="neutral"] .payment { font-size: clamp(32px,10vw,48px); letter-spacing: -1px; }
  html[data-ui="neutral"] .payment-bottom { flex-direction: column; align-items: flex-start; gap: 14px; }
  html[data-ui="neutral"] .payment-bottom span { font-size: 14px; }
  html[data-ui="neutral"] .savings-card { padding: 24px 21px 0; }
  html[data-ui="neutral"] .savings-title { align-items: flex-start; }
  html[data-ui="neutral"] .savings-title h3 { font-size: 20px; }
  html[data-ui="neutral"] .saving-metrics { grid-template-columns: minmax(0,1fr); gap: 22px; }
  html[data-ui="neutral"] .saving-metrics > div + div { border-left: 0; border-top: 1px solid var(--control-border); padding: 19px 0 0; }
  html[data-ui="neutral"] .saving-metrics strong { font-size: clamp(28px,8vw,36px); letter-spacing: -.8px; }
  html[data-ui="neutral"] .saving-metrics span { font-size: 15px; }
  html[data-ui="neutral"] .payoff { align-items: flex-start; flex-direction: column; gap: 5px; }
  html[data-ui="neutral"] .payoff > span { margin: 0; }
  html[data-ui="neutral"] :is(.chart-card,.term-card,.budget-card) { padding: 23px 20px; }
  html[data-ui="neutral"] .term-metrics { grid-template-columns: minmax(0,1fr); gap: 18px; }
  html[data-ui="neutral"] .term-metrics > div:last-child { grid-column: auto; }
  html[data-ui="neutral"] .term-metrics > div { min-width: 0; }
  html[data-ui="neutral"] .chart-header { align-items: flex-start; }
  html[data-ui="neutral"] .legend { flex-direction: column; gap: 11px; font-size: 14px; }
  html[data-ui="neutral"] #chart { max-width: 100%; overflow: hidden; }
  html[data-ui="neutral"] .budget-total { font-size: clamp(28px,8vw,38px); }
  html[data-ui="neutral"] .budget-lines > div { display: grid; grid-template-columns: minmax(0,1fr) auto; align-items: start; gap: 16px; }
  html[data-ui="neutral"] .budget-lines strong { text-align: right; }
  html[data-ui="neutral"] .comparison-grid { grid-template-columns: minmax(0,1fr); }
  html[data-ui="neutral"] .comparison-card dl > div { flex-wrap: wrap; gap: 4px 12px; }
  html[data-ui="neutral"] .comparison-card dd { margin: 0; }
  html[data-ui="neutral"] .guide-grid article { display: grid; grid-template-columns: 40px minmax(0,1fr); gap: 16px; padding: 22px; }
  html[data-ui="neutral"] .guide-icon { position: static; grid-column: 1; grid-row: 1; margin: 0; }
  html[data-ui="neutral"] .guide-grid h3 { grid-column: 2; grid-row: 1; align-self: center; margin: 0; font-size: 18px; }
  html[data-ui="neutral"] .guide-grid p { grid-column: 1/-1; margin: 0; font-size: 15px; line-height: 1.85; }
  html[data-ui="neutral"] .learn > h2 { font-size: 32px; line-height: 1.2; }
  html[data-ui="neutral"] .table-scroll table { min-width: 570px; }
  html[data-ui="neutral"] .under-calculator { align-items: stretch; text-align: left; }
  html[data-ui="neutral"] .under-calculator button { width: 100%; min-height: 48px; border: 1px solid var(--control-border); border-radius: 8px; background: var(--paper); padding: 11px; }
  html[data-ui="neutral"] .about { display: grid; grid-template-columns: 30px minmax(0,1fr); gap: 12px; padding: 23px 20px; }
  html[data-ui="neutral"] footer { display: grid; grid-template-columns: 1fr auto; padding: 28px 16px; gap: 18px; }
  html[data-ui="neutral"] footer > button { margin-left: 0; }
  html[data-ui="neutral"] footer > span,html[data-ui="neutral"] footer .disclaimer { grid-column: 1/-1; max-width: 100%; }
}
@media(max-width:400px) {
  html[data-ui="neutral"] header { padding-inline: 16px; gap: 12px 8px; }
  html[data-ui="neutral"] .brand-name { font-size: 16px; }
  html[data-ui="neutral"] .brand-mark { width: 34px; height: 34px; font-size: 25px; }
  html[data-ui="neutral"] .appearance-control select { width: 90px; }
  html[data-ui="neutral"] .down-inputs { grid-template-columns: minmax(0,1fr); gap: 12px; }
  html[data-ui="neutral"] .calculator-jumps { gap: 8px; }
  html[data-ui="neutral"] .calculator-jumps a { padding-inline: 11px; font-size: 13px; }
}

html[data-ui="neutral"] .down-guidance:empty,html[data-ui="neutral"] #help-insurance-note:empty { display: none; }
html[data-ui="neutral"] .down-guidance { color: var(--secondary); font-size: 14px; line-height: 1.85; margin: 14px 0; }
html[data-ui="neutral"] .help-total { display: flex; flex-direction: column; gap: 5px; padding-block: 10px; color: var(--ink); border-top: 1px solid var(--rule); font-size: 14px; }
html[data-ui="neutral"] .help-total strong { font-size: 23px; font-variant-numeric: tabular-nums; }
html[data-ui="neutral"] .help-minimum-button { border: 1px solid var(--ink); background: var(--ink); color: var(--paper); border-radius: 25px; padding: 11px 14px; min-height: 44px; width: 100%; font-size: 14px; }
html[data-ui="neutral"] .help-insurance-lines { margin: 12px 0; font-size: 14px; }
html[data-ui="neutral"] .help-insurance-lines > div { display: grid; grid-template-columns: minmax(0,1fr) auto; gap: 12px; margin-block: 10px; }
html[data-ui="neutral"] .help-insurance-lines dt { color: var(--secondary); }
html[data-ui="neutral"] .help-insurance-lines dd { margin: 0; color: var(--ink); font-variant-numeric: tabular-nums; text-align: right; }
html[data-ui="neutral"] .result-status[data-state="missing-down"],html[data-ui="neutral"] .result-status[data-state="missing-buyer"] { color: var(--ink); border: 1px solid var(--control-border); background: var(--paper); }
html[data-ui="neutral"] .result-status[data-state="missing-down"]::before,html[data-ui="neutral"] .result-status[data-state="missing-buyer"]::before { content: ''; }
@media(max-width:400px) { html[data-ui="neutral"] .help-insurance-lines > div { grid-template-columns: minmax(0,1fr); gap: 3px; } html[data-ui="neutral"] .help-insurance-lines dd { text-align: left; } }

/* Field-level tips: small visual symbols with generous touch targets. */
html[data-ui="neutral"] .label-with-tip { display: inline-flex; align-items: center; gap: 2px; }
html[data-ui="neutral"] .label-with-tip label { margin-bottom: 0; }
html[data-ui="neutral"] .down-label { align-items: center; margin-bottom: 9px; }
html[data-ui="neutral"] .tip-button { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; padding: 0; border: 0; background: transparent; color: var(--ink); vertical-align: middle; flex-shrink: 0; cursor: pointer; }
html[data-ui="neutral"] .tip-button > span {
  width: 20px;
  height: 20px;
  background: currentColor;
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='1.8' stroke-linecap='round'%3E%3Ccircle cx='12' cy='12' r='10.7'/%3E%3Cpath d='M9.6 8.9a2.5 2.5 0 0 1 4.9.7c0 1.8-2.5 2.1-2.5 3.9' stroke-width='2'/%3E%3Ccircle cx='12' cy='16.5' r='1.05' fill='black' stroke='none'/%3E%3C/svg%3E") center / contain no-repeat;
}
html[data-ui="neutral"] .tip-button:hover > span { opacity: .7; }
@media (forced-colors: active) {
  html[data-ui="neutral"] .tip-button > span { forced-color-adjust: none; background: ButtonText; }
}
html[data-ui="neutral"] .label-with-tip .tip-button { margin-block: -10px; margin-inline-start: -7px; }
html[data-ui="neutral"] .loan-breakdown .tip-button { width: 32px; height: 32px; margin: -5px 0; }
html[data-ui="neutral"] .comparison-card .tip-button { margin: -12px -8px -12px -7px; }
html[data-ui="neutral"] .field-tip { display: none; position: fixed; inset: auto; margin: 0; width: 360px; max-width: calc(100vw - 32px); max-height: min(480px,calc(100dvh - 32px)); padding: 18px 20px; border: 1px solid var(--control-border); border-radius: 10px; background: var(--paper); color: var(--ink); box-shadow: 0 12px 40px #00000026; overflow-y: auto; overscroll-behavior: contain; z-index: 20; }
html[data-ui="neutral"] .field-tip:popover-open { display: block; }
html[data-ui="neutral"] .field-tip::backdrop { background: transparent; }
html[data-ui="neutral"] .tip-heading { display: flex; justify-content: space-between; align-items: flex-start; gap: 14px; }
html[data-ui="neutral"] .tip-heading h2 { color: var(--ink); font: 600 18px/1.5 'Manrope',sans-serif; letter-spacing: -.3px; margin: 5px 0 8px; }
html[data-ui="neutral"] .tip-close { min-width: 44px; min-height: 44px; margin: -6px -9px 0 0; border: 0; border-radius: 50%; background: transparent; color: var(--ink); font-size: 25px; cursor: pointer; }
html[data-ui="neutral"] .field-tip :is(p,li) { font-size: 14px; line-height: 1.85; color: var(--secondary); margin: 10px 0; }
html[data-ui="neutral"] .tip-rules { padding-left: 20px; margin: 10px 0; }
html[data-ui="neutral"] .tip-rules li { margin: 8px 0; }
html[data-ui="neutral"] .tip-source { border-top: 1px solid var(--rule); padding-top: 12px; }
html[data-ui="neutral"] .tip-source a { color: var(--ink); text-decoration: underline; text-underline-offset: 3px; }
html[data-ui="neutral"] .field-tip .help-total strong { font-size: 22px; }
@media(max-width:600px) { html[data-ui="neutral"] .loan-breakdown .tip-button { width: 40px; height: 44px; margin: -8px 0; } }
html[data-ui="neutral"] .payment-card .estimate-note { color: var(--cream); font-size: 14px; line-height: 1.8; margin: 15px 0 0; padding-top: 13px; border-top: 1px solid var(--control-border); }
html[data-ui="neutral"][data-mode="dark"] .payment-card .estimate-note { color: var(--secondary); }

/* Contextual field errors: text and an icon accompany the contrasting border. */
html[data-ui="neutral"] .field-control { min-width: 0; }
html[data-ui="neutral"] .field-error { position: relative; width: fit-content; max-width: 100%; margin: 8px 0 3px; padding: 6px 10px; border-radius: 4px; background: var(--error-ink); color: var(--paper); font-size: 13px; font-weight: 600; line-height: 1.65; overflow-wrap: anywhere; }
html[data-ui="neutral"] .field-error::before { content: ''; position: absolute; bottom: 100%; left: 14px; border: 5px solid transparent; border-bottom-color: var(--error-ink); }
html[data-ui="neutral"] .field-error::after { content: ' !'; font-weight: 700; }
html[data-ui="neutral"] .input-wrap:has(input[aria-invalid="true"]),html[data-ui="neutral"] .plain-input[aria-invalid="true"] { border-color: var(--error-ink); box-shadow: inset 0 0 0 1px var(--error-ink); }
html[data-ui="neutral"] label.is-error { color: var(--error-ink); }

html[data-ui="neutral"] .brand-dollar { width: 100%; height: 100%; display: block; }

html[data-ui="neutral"] .brand-mark { background: #20201e; border-radius: 22%; overflow: hidden; }

/* Launch flow: a short starting form and progressive detail. */
html[data-ui="neutral"] .prepayment-options,html[data-ui="neutral"] .projection-details {border:1px solid var(--rule);border-radius:14px;background:var(--paper);padding:18px;margin:20px 0;}
html[data-ui="neutral"] .prepayment-options > summary,html[data-ui="neutral"] .projection-details > summary {cursor:pointer;min-height:44px;align-content:center;color:var(--ink);font-weight:700;font-size:17px;}
html[data-ui="neutral"] .prepayment-options .prepay-heading {display:none;}
html[data-ui="neutral"] .projection-details {margin:0;}
html[data-ui="neutral"] .projection-details .chart-card {border:0;padding:20px 0 0;margin:0;}
html[data-ui="neutral"] .view-results {display:none;}
html[data-ui="neutral"] .plan-actions {display:flex;flex-wrap:wrap;gap:12px;align-items:center;padding:4px 0;}
html[data-ui="neutral"] .plan-actions button,html[data-ui="neutral"] #clear-plan {background:var(--paper);color:var(--ink);border:1px solid var(--control-border);border-radius:8px;min-height:44px;padding:10px 16px;font:600 15px/1.6 'Manrope',sans-serif;cursor:pointer;}
html[data-ui="neutral"] .plan-actions button:disabled {opacity:.6;cursor:default;}
html[data-ui="neutral"] #plan-status {font-size:13px;line-height:1.8;color:var(--secondary);}
html[data-ui="neutral"] .plan-comparison {padding:24px;background:var(--paper);color:var(--ink);border:1px solid var(--rule);border-radius:16px;}
html[data-ui="neutral"] .plan-comparison table {width:100%;min-width:440px;border-collapse:collapse;}
html[data-ui="neutral"] .plan-comparison :is(th,td) {text-align:left;padding:14px 10px;border-bottom:1px solid var(--rule);color:var(--ink);background:var(--paper);font-size:15px;}
html[data-ui="neutral"] .plan-comparison tbody th {font-weight:500;}
html[data-ui="neutral"] .plan-comparison p {overflow-wrap:anywhere;}
html[data-ui="neutral"] .result-status[data-state="editing"] {border-color:var(--rule);color:var(--secondary);background:var(--stone);}
html[data-ui="neutral"] .result-status[data-state="editing"]::before {content:none;}
html[data-ui="neutral"] #results {scroll-margin-top:24px;}
@media(max-width:1024px){html[data-ui="neutral"] .view-results {display:flex;justify-content:center;gap:12px;width:100%;background:var(--ink);color:var(--paper);border:1px solid var(--ink);border-radius:10px;min-height:52px;padding:12px 16px;font:700 17px/1.6 'Manrope',sans-serif;margin:24px 0 12px;cursor:pointer;}}
@media(max-width:600px){html[data-ui="neutral"] .plan-comparison {padding:18px;}html[data-ui="neutral"] .plan-actions {display:grid;}html[data-ui="neutral"] .prepayment-options {padding:14px;}}
html[data-ui="neutral"] .explore-extra {background:var(--paper);color:var(--ink);border:1px solid var(--control-border);border-radius:8px;min-height:44px;padding:10px 16px;font:600 15px/1.6 'Manrope',sans-serif;cursor:pointer;margin:0 0 16px;}